"Investing in a home or your education is also a good use of debt-but the education debt has to be thoughtful debt " says Vickie Campbell, a certified financial planner with Ryan Lamontagne in Ottawa . 

And in this new era of slow growth and low interest rates, "the golden rule is still diversification" says Ayana Forward, CFP with Ryan Lamontagne in Ottawa. 

MoneySense, Mark Brown, Julie Cazzin, Romana King & David Thomas
November 2016

How low bond yields, weaker stock returns and longer lives have sabotaged the rules of money. It's time to rewrite the guidelines that planners and investors rely on for saving and spending.

Full text: The New Rules of Money